In many cases, filing bankruptcy, particularly Chapter 13, can temporarily stop a foreclosure by invoking an automatic stay. This can provide time to explore options like catching up on missed payments through a repayment plan.
Comprehensive Legal Protection for Homeowners and Tenants
At Cannon Legal PLLC, we specialize in resolving high-stakes housing issues. The mortgage and real estate system is complex, often leaving consumers feeling powerless against large financial institutions. We level the playing field.
Expert Legal Help for Housing Rights, RESPA Disputes, & Foreclosure Defense
Our services focus on keeping you in your home and holding bad actors accountable. We assist with:
Fees and Consultation We understand that housing issues often come with financial stress. We offer a consultation to review your specific mortgage or lease documents and discuss your legal options. Our fee structure varies depending on the complexity of your case and the type of defense required, which we will discuss transparently before we begin.
When your home is on the line, you need a firm that understands both federal housing regulations and local real estate laws. Here is why US consumers choose Cannon Legal PLLC:
Holistic Solutions: We don’t just look at one angle; we explore loan modifications, settlements, bankruptcy, and litigation to find the best path forward for your family.
In many cases, filing bankruptcy, particularly Chapter 13, can temporarily stop a foreclosure by invoking an automatic stay. This can provide time to explore options like catching up on missed payments through a repayment plan.
We can help you send a formal Notice of Error to your servicer and explore legal action if they fail to correct the errors or comply with federal regulations. You also have the option to file complaints with regulatory agencies like the CFPB.
Predatory lending involves unfair or deceptive loan terms that take advantage of borrowers. This can include excessively high interest rates, hidden fees, or deceptive practices. We can review your loan documents to determine if your loan may be predatory and advise you on potential legal remedies.
Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure, such as loss mitigation or bankruptcy, and explore potential legal defenses.
A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer’s legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.
We can review your situation and help you understand options like loan modification, forbearance, repayment plans, or other loss mitigation programs offered by your lender. We can also advise you on the foreclosure process in Texas.